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Sold·Closed Oct 31, 2025·7 days on market
844 W River Road
Palatka, FL 32177
About this home
Palatka
Enjoy country living in this modern 2020 MF home on 2.67 acres with AG zoning. Find a peaceful, private setting surrounded by pines, live oaks and tall palms! Perfect for gardening, animals or outdoor hobbies. Inside features a newer A/C, granite countertops, large kitchen island, farmhouse sink, LVP flooring, newly carpeted bedrooms, shiplap accents and crown molding in main living areas. The primary bath has upgraded fixtures for a polished look. Step outside to a screened, covered deck with pond views, plus a metal-roof chicken coop, shed and water softener, ALL conveying. With NO HOA and plenty of space, bring all your toys—RVs, boats, trailers and ATVs! Easy access to a public boat ramp on the St. Johns River and downtown Palatka. Sellers are ready for a quick closing. Schedule your showing today and bring your offer!
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
- • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
- • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be (that applies to the reference bill above too).
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Flood zone not yet determined
Check the exact parcel at msc.fema.gov or ask Krista to pull it.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Evacuation zone not yet determined
Check floridadisaster.org/knowyourzone.
Roof: Shingle — year not disclosed (home built 2020)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,569 usable sun-hours per year
A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeThis Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Frank Butler Park Eastabout 19 mi · 84 parking spaces
Closest park or preserve
Deep Creek Conservation Areaabout 9 mi · 4.1 mi of trails
Closest public boat ramp
McCullough Creek at County Road 13 Primitive Access (Not Recommended)about 4 mi · St. Johns River - McCunough Creek
Closest kayak & paddleboard launch
Williams Park Canoe/Kayak Launchabout 10 mi · Saint Johns River
Closest grocery store
Publixabout 14 mi · 250 Plaza Blvd, Saint Augustine
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
2024 property taxes (current owner): $2,891/yr
Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Sources: Florida DOR certified tax roll, NEFMLS.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $141/sq ft; this home is listed at $190/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 205 Harbor Drive, Palatka, FL 32177Listed by COLDWELL BANKER BEN BATES INC | Jan 2026 | $200,000 | $154 | 4/2 | 1,300 | 0 | 0.2 |
| 125 W Harbor Drive, Palatka, FL 32177Listed by TIMBER TO TIDES REALTY LLC | Jan 2026 | $75,000 | $51 | 3/2 | 1,480 | 20 | 0.3 |
| 105 Harbor Farms Court, Palatka, FL 32177Listed by MOMENTUM REALTY | May 2025 | $129,900 | $141 | 2/2 | 924 | 79 | 0.3 |
| 786 W River Road, Palatka, FL 32177Listed by TIMBER TO TIDES REALTY LLC | Jul 2026 | $550,000 | $407 | 3/1 | 1,352 | 54 | 0.5 |
| 287 Tarpon Boulevard, Palatka, FL 32177Listed by MOMENTUM REALTY | Mar 2026 | $159,000 | $139 | 3/2 | 1,140 | 283 | 0.5 |
| 285 Tarpon Boulevard, Palatka, FL 32177Listed by IHEART REALTY INC | Feb 2026 | $159,000 | $139 | 3/2 | 1,140 | 265 | 0.5 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: UNITED REAL ESTATE GALLERY
Sold by: EXIT INSPIRED REAL ESTATE (buyer's brokerage)
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Oct 31, 2025. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines